FINANCIAL PAYMENT SYSTEMS LINKED TO CUSTOMER ACCOUNTS

摘要

A computer-implemented method and system for linking a financial payment system to a customer account. A customer account may be created that includes an identifier for a financial payment system, such as a credit or debit card. During a transaction between the customer and a merchant, the identifier may be received by a payment processor. The processor correlated the identifier with a customer using stored customer account information. An electronic message including an incentive offered by the merchant is generated and sent to the customer. The offer may include a condition that the customer must complete in order to receive the incentive. The condition may be, for example, a requirement that the customer provide predetermined information to the merchant or as a posting on a social network. The incentive may be provided to the customer as a refund directly applied to the financial payment system.

主权项

1. At a payment processor within a computing system including the payment processor and an issuer of a financial payment system, a method of linking a financial payment system to a customer account, comprising:
receiving a payment request from a merchant including a merchant identifier and a customer account identifier for identifying the financial payment system; associating the financial payment system with a registered customer by comparing the customer account identifier with customer account information for the registered customer maintained at the payment processor; and communicating with the issuer of the financial payment system to request authorization to grant the payment request.